Leverage a suite of expense management tools to track and organize your business expenses and help you efficiently manage your cash flow with Business Credits Cards and Charge Cards from American Express OPEN.

American Express OPEN offers a range of Small Business Credit Cards and business Charge Cards to help your business grow. Enjoy benefits across our suite of products such as cash back in the form of a statement credit, travel rewards, flexible payment options, and Membership Rewards® points. Choose the Small Business Credit Card or Charge Card from American Express OPEN that's right for your business.

Below are some Frequently Asked Questions to help you select the Small Business Credit Card or Charge Card that's best for your business:

American Express OPEN

What is American Express OPEN?American Express OPEN is a payment Card issuer for small businesses. We offer products and services that help small business owners run and grow their businesses. This includes business Credit Cards and Charge Cards that provide purchasing power, flexibility, rewards, and savings on business services from an expanded lineup of partners, and online tools and services designed to help improve profitability.As with any other aspect of your business, it's important to choose your tools carefully for the long-term management of your finances. American Express OPEN® Small Business Credit Cards and Charge Cards can be useful tools for a business looking to supplement cash flow and pay for business purchases. Small business owners can choose from a range of Small Business Credit Cards and Charge Cards that can help them buy what they need, when they need it. We provide innovative payment options, cash flow management tools, and cost reduction solutions.

Benefits of an American Express OPEN Small Business Credit Card

Why would my business benefit from choosing an American Express OPEN Small Business Credit Card?An American Express OPEN Small Business Credit Card gives you a set credit limit, so you know how much you can spend each month. With a Small Business Credit Card, you are not required to pay your balance in full every month; your business can carry your balance from one billing cycle to the next, though a minimum payment is required each billing cycle. Any unpaid balance at the end of a billing period will incur interest charges.What kind of spending limit will my business get?A credit limit is determined based on financial details and information we receive in your application.What will my business be required to pay each month?You have the option to carry a balance each billing cycle, though a minimum amount is due. Any unpaid balance at the end of a billing period will incur interest charges.Will my business be charged interest?If you revolve any outstanding balance beyond your billing period, you will be subject to variable interest rates that depend on a number of factors.

Benefits of an American Express OPEN Small Business Charge Card

Why would my business benefit from choosing an American Express OPEN Small Business Charge Card?An American Express OPEN Small Business Charge Card can help you manage your cash flow over short periods and can help provide the buying power for large business purchases. It may be the right choice for a business that is comfortable it has the cash flow to pay in full each month and is looking for a flexible spending limit.What kind of spending limit will I get for my business?American Express OPEN Small Business Charge Cards come with no pre-set spending limit. However, no pre-set spending limit does not mean unlimited spending. Your purchasing power can adjust with your use of the Card, your payment history, credit record and financial resources known to us, and other factors.What will my business be required to pay each month?Payment is required in full each month in order to avoid late/penalty fees.Will my business be charged interest?No interest is charged because you pay your balance in full each month. Fees for late payments will apply.

Using Your American Express OPEN Small Business Credit Card or Charge Card

How can I use Small Business Credit Cards or Charge Cards from American Express OPEN to benefit my business?From offsetting purchases on your statement or reducing travel expenses, to rewards from leading brands and Early Pay Discount, Small Business Credit Cards and Charge Cards from American Express OPEN can help in areas that matter to your small business.Choose a Small Business Credit Card or Charge Card with the type of rewards that are best for your business:

Membership Rewards®: Your business can automatically earn points on eligible purchases you or your employees make. American Express OPEN offers a range of Business Credit Cards and Charge Cards that allow you to earn Membership Rewards® points. Choose rewards from over 500 leading brands in travel, gift cards, merchandise or entertainment

Cash back: use your American Express OPEN Small Business Credit Card or Charge Card to help your business reduce costs with an Early Pay Discount or cash back in the form of a statement credit.

Partnership rewards: get rewards with our travel and business partners Delta, Starwood, and Lowe's when you make an eligible purchase with your American Express OPEN Small Business Credit Card.

Applying for an American Express OPEN Small Business Credit or Charge Card

How can I apply for an American Express OPEN Small Business Credit or Charge Card?Review the full range of Small Business Credit Cards and Charge Cards we have available and after choosing the Card that's right for your business, call us at 1-877-673-6758 to apply by phone. We're happy to help you find the Small Business Credit Card or Charge Card that's right for you. To apply for an American Express OPEN Small Business Credit Card or Charge Card, you need to be authorized by your company to make financial decisions on its behalf. Only qualified individuals 18 or over may be approved for a Card Account.Can I apply for an American Express OPEN Small Business Credit Card or Charge Card online?Yes, you can apply for an American Express OPEN Small Business Credit Card or Charge Card online.What do I need to apply for an American Express OPEN Small Business Credit Card or Charge Card?As an individual authorized to make financial decisions on behalf of your company, you will need to supply the following information about the business:

Your company's email address

Your company's legal business name

The business name you would like to appear on the card. It may be different from your company's legal name

Your company's business address and phone number

Type of industry your business is engaged in (for example: construction, manufacturing, consulting)

Cash back can be received on eligible purchases made on your SimplyCash® Plus Business Credit Card. The cash back is based on a percentage of the eligible purchases you make during each billing period and will be automatically credited to your account as a statement credit. The statement credit will automatically appear on the second billing statement you receive after the billing statement with the eligible purchases. You will not receive a statement credit for eligible purchases made if you do not pay the minimum payment due by the Closing Date of the billing period in which it is due, or if your Card account is cancelled before the credit is issued. For each calendar year (starting January 1st and ending December 31st), you will receive a statement credit of: 5% on your first $50,000 of eligible purchases made in the following two categories combined, (1) monthly wireless telephone services purchased directly from wireless telephone service providers in the U.S. (purchases of hardware and equipment, and purchases from third parties and resellers, are excluded) and (2) office supplies purchased directly from U.S. office supply stores (supplies purchased at other retail stores are excluded); 3% on your first $50,000 of eligible purchases made in the category that you select (see below for more on the available categories and how to make your selection); 1% on all other eligible purchases, including purchases in the 5% category after your first $50,000 and in the 3% category after your first $50,000.

Eligible purchases are purchases for goods and services minus returns and other credits. Eligible purchases do NOT include fees or interest charges, purchases of travelers checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.

You may select your 3% cash back category from the following eight categories: (1) airfare purchased directly from airlines, (2) hotel stays (excluding timeshares, banquets and events), (3) purchases from select major car rental companies listed at americanexpress.com/rewards-info, (4) purchases at U.S. gas stations, (5) purchases at U.S. restaurants, (6) purchases made in the U.S. for shipping, or (7) purchases made in the U.S. for advertising in select media, and (8) computer hardware, software, and cloud computing purchases made in the U.S. directly from select providers. (The current list of select computer hardware, software, and cloud computing providers is available at: americanexpress.com/rewards-info). For more details on these categories, including important terms and limitations, please go to americanexpress.com/rewards-info. You may select your 3% cash back category from the list described above within the first two months of Card Membership. Thereafter, you can change your selection once a year during the annual selection period which runs from December 1st to January 31st. You can make your category selection by either calling the number on the back of your Card or going to open.com/simplycashplus. You will receive your 3% rebate on purchases at U.S. gas stations unless and until you select a different category. Once you make your selection, it will be applied starting on the day on which you make your selection. If you do not change your 3% category during the annual selection period, your category will remain the same as the previous year. Only the Basic Card Member or Authorized Account Manager with full access may make the selection, and their selection will apply to purchases made by all Card Members on the account.

Merchants are assigned codes based on what they primarily sell. A purchase will not receive more than 1% cash back if the merchant's code is not eligible. Purchases made through a third-party payment account or on an online marketplace (with multiple retailers) will receive a 1% cash back. A purchase may not receive more than 1% cash back if the merchant submits the purchase using a mobile or wireless card reader or if you use a mobile or digital wallet.

Additional terms and restrictions apply.

Earning Cash Back

How you will get the cash back: You will receive cash back as a statement credit. Cash back will appear on the second billing statement after the billing statement on which the eligible purchases appear. You will not receive cash back if your Card account is cancelled or in default at the time of fulfillment.

Membership Rewards® Program

Terms and Conditions for the Membership Rewards® program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice.

If you become eligible, you may be given the option to extend payment over time on certain charges using our Pay Over Time feature(s). If you use these features, you may accrue interest on any charges you choose to pay over time.

Pay Over Time Feature

If eligible, you may be given the option to enroll in a Pay Over Time feature that allows you to pay certain purchases over time. If you choose to enroll in this feature, you will accrue interest on eligible purchases when you choose to carry a balance.

Plum Early Pay Discount

Get a 1.5% discount on the portion of your eligible charges balance that you pay within 10 days of your statement closing date, as long as you pay at least your Minimum Payment Due by your Payment Due Date. The discount will appear as a credit on the following billing statement. Eligible charges are purchases for goods and services minus returns and other credits. Eligible charges do NOT include previously deferred amounts, past due amounts, cash advances, purchases of traveler's checks, purchases or reloading of prepaid cards, or purchases of other cash equivalents.